Loans
Loan Rates
New/Used Auto, Motor home and Large Motorcycle Rates
First Mortgage
Fixed Rate Home Equity
Home Equity Line of Credit
Residential Investment
Commercial Real Estate
New/Used Auto Rates
Effective as of: 1/30/12 
| New/Used Auto (to 60 Months) | RATE/APR* (Coupons) | RATE/APR* (EFT and E-Club membership) | |||
| 2013-2012 Models | |||||
| 1-24 Months | 4.24 | 4.778 | 3.99 | 4.524 | |
| 25-48 Months | 4.24 | 4.549 | 3.99 | 4.294 | |
| 49-60 Months | 4.24 | 4.501 | 3.99 | 4.247 | |
| 61-72 Months | 5.24 | 5.485 | 4.99 | 5.231 | |
| 2011-2010 Models | |||||
| 1-24 Months | 5.24 | 5.792 | 4.99 | 5.539 | |
| 25-48 Months | 5.24 | 5.564 | 4.99 | 5.310 | |
| 49-60 Months | 5.24 | 5.517 | 4.99 | 5.263 | |
| 2009-2008 Models | |||||
| 1-24 Months | 6.24 | 6.808 | 5.99 | 6.554 | |
| 25-48 Months | 6.24 | 6.579 | 5.99 | 6.325 | |
| 49-60 Months | 6.24 | 6.533 | 5.99 | 6.278 | |
| 2007 and Older Models | |||||
| 1-36 Months | 7.24 | 7.672 | 6.99 | 7.419 | |
| 37-48 Months | 7.24 | 7.596 | 6.99 | 7.341 | |
*Annual Percentage Rate based on a $20,000 loan for max term in category and includes $99.00 origination fee with payment by EFT and E-Club membership. Rate will be .25% higher without EFT and E-Club membership or if coupon payments are requested.
New/Used Large Motorcycle Rates
Effective as of: 1/30/12
| New/Used Large Motorcycles (to 60 Months) | RATE/APR* (Coupons) | RATE/APR* (EFT and E-Club membership) | |||
| 2013-2012 Models | |||||
| 1-24 Months | 5.24 | 5.792 | 4.99 | 5.539 | |
| 25-48 Months | 5.24 | 5.564 | 4.99 | 5.310 | |
| 49-60 Months | 5.24 | 5.517 | 4.99 | 5.263 | |
| 2011-2008 Models | |||||
| 1-24 Months | 6.24 | 6.808 | 5.99 | 6.554 | |
| 25-48 Months | 6.24 | 6.579 | 5.99 | 6.325 | |
| 49-60 Months | 6.24 | 6.533 | 5.99 | 6.278 | |
| 2007 and Older Models | |||||
| 1-36 Months | 7.24 | 7.672 | 6.99 | 7.419 | |
| 37-48 Months | 7.24 | 7.596 | 6.99 | 7.341 | |
*Annual Percentage Rate based on a $20,000 loan for max term in category and includes $99.00 origination fee with payment by EFT and E-Club membership. Rate will be .25% higher without EFT and E-Club membership or if coupon payments are requested.
New/Used Motor Home Rates
Effective as of: 1/30/12
| New/Used Motor Homes | RATE/APR* (Coupons) | RATE/APR* (EFT and E-Club membership) | |||
| 2013-2012 | 1-24 Months | 5.74 | 6.294 | 5.49 | 6.040 |
| 25-48 Months | 5.99 | 6.323 | 5.74 | 6.070 | |
| 49-60 Months | 6.24 | 6.531 | 5.99 | 6.277 | |
| 2011-2008 | 1-24 Months | 6.24 | 6.800 | 5.99 | 6.547 |
| 25-48 Months | 6.49 | 6.831 | 6.24 | 6.577 | |
| 49-60 Months | 6.74 | 7.039 | 6.49 | 6.785 | |
| 2007 and Older Models | 1-36 Months | 7.24 | 7.672 | 6.99 | 7.419 |
| 37-48 Months | 7.24 | 7.596 | 6.99 | 7.341 | |
| 49-60 Months | 7.24 | 7.548 | 6.99 | 7.295 | |
*Note:Ten year financing is available on qualifying Motor homes. Please call for more information reguarding these rate programs.
*Annual Percentage Rate based on a $20,000 loan for max term in category and includes $99.00 origination fee with payment by EFT and E-Club membership. Rate will be .25% higher without EFT and E-Club membership or if coupon payments are requested.
First Mortgage Rates
Effective as of: 1/30/12
| Type | Features | Term | Rate/Annual Percentage Rate** |
| First Mortgage* Primary Residence Fixed Rate |
Purchase or Refinance | ||
| 15 years | 3.750/3.876 | ||
| 20 years | 4.000/4.114 | ||
| First Mortgage/ARM* Primary Residence Adjustable Rate*** |
Purchase or Refinance | 5/1 - 30 years | 3.125/3.377 |
| 7/1 - 30 years | 3.750/3.644 | ||
| 10/1 - 30 years | 4.000/3.859 |
*Rates quoted are for standard conforming properties. Other programs are available for rural properties and acre tract properties.
**ANNUAL PERCENTAGE RATE BASED ON LOAN AMOUNT $125,000; 20% DOWN PAYMENT; LOCK PERIOD OF 45 DAYS
***ADJUSTABLE RATE LOANS MAY INCREASE ANNUALLY AFTER INITIAL 5-YR, 7-YR OR 10-YR TERM. Based on 1-year treasury bill + 3.25%. Annual caps of 2.00%. Lifetime cap of 6.00%.
Fixed Rate Home Equity
Effective as of: 1/30/12
| Type | Features | Term | Rate/Annual Percentage Rate** |
| Second Mortgage Primary Residence Fixed Rate |
80% Max LTV *$350-$400 closing costs |
60 months | 4.990/5.382 |
| 120 months | 5.490/5.803 | ||
| 180 months | 5.990/6.215 |
*ESTIMATED CLOSING COSTS MAY VARY
**ANNUAL PERCENTAGE RATE BASED ON LOAN AMOUNT OF $25,000
Home Equity Line of Credit Rates
Effective as of: 1/30/12
| Type | Features | Term | Rate/Annual Percentage Rate** |
|
Home Equity Line of Credit Primary Residence
|
Variable Rate *
80% Max LTV |
5 Year Draw | 3.99/3.99*** |
| 10 Year Repay | 3.99/3.99*** |
*RATE SHOWN WILL NOT CHANGE FOR 1-YEAR FROM CONTRACT DATE. BEGINNING ON THE 1-YEAR ANNIVERSARY DATE, THE INTEREST RATE FOR THE REMAINDER OF THIS LOAN WILL THEN BE CALCULATED BY USING THE WALL STREET PRIME MINUS .25%, CURRENTLY AT 3.00%, OR OUR 3.99% MINIMUM RATE, WHICHEVER IS GREATER. MAXIMUM RATE NOT TO EXCEED 20%.
**ANNUAL PERCENTAGE RATE BASED ON LOAN AMOUNT of $25,000.
Residential Investment Rates
Effective as of: 1/30/12
| Type | Features | Term | Rate/Annual Percentage Rate** |
|
Residential Investment Adjustable Rate
Fixed Rate |
2% Annual Cap 65% Max LTV Refi |
3/1 ARM-20 years * | 6.000/N/A |
| 5/1 ARM-20 years * | 6.500/N/A | ||
| 15 year Fixed rate | 7.000/N/A |
Rates quoted are for standard conforming secondary market loans. Other programs are available for non-conforming requests.
*ADJUSTABLE RATE LOANS MAY INCREASE ANNUALLY AFTER INITIAL 3-YR OR 5-YR TERM. Based on 1-year treasury bill + 4.00%. Annual caps of 2.00%. Lifetime cap of 6.00%.
**ANNUAL PERCENTAGE RATE BASED ON LOAN AMOUNT $100,000; 30% DOWN PAYMENT; LOCK PERIOD OF 60 DAYS.
Commercial Real Estate Rates
Effective as of: 1/30/12
| Type | Features | Term | Rate/Annual Percentage Rate** |
|
Commercial Real Estate
Adjustable Rate
Fixed Rate |
Pur 70% Max LTV Refi 65% Max LTV |
3/1 ARM-20 years * | 6.000/NA |
| 5/1 ARM-20 years * | 6.500/N/A | ||
| 15 year Fixed rate | 7.000/NA |
*ADJUSTABLE RATE LOANS MAY INCREASE ANNUALLY AFTER INITIAL 3-YR or 5-YR TERM. Based on 1-year tresury bill + 4.00%. Annual cap of 2.00%. Lifetime cap of 6.00%.
Add .50% to rates for loan amounts less than $50,000.
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